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Personal Credit Cards

Bank First offers three personal rewards credit cards. Whichever card you choose, you’ll now have an easy way to purchase products or services!

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First Rewards Credit Card

Enjoy the benefits of rewards with no annual fee!

Apply now!

Special Introductory Offer

  • Receive 10,000 bonus reward points ($100) after spending $3,000 in the first 3 months
  • 0% introductory rate for the first 6 billing cycles on balance transfers
  • 0% introductory rate for the first 6 billing cycles on purchases

Post-introductory variable APR (Annual Percentage Rate) is Prime + 6.74%-17.74% rate range, which is determined by credit history. The rate will vary with the market based on Prime Rate. Earn 1% in reward points on all purchases. Rewards can be redeemed for cash back, merchandise or travel through UChooseRewards.com. Points are applied automatically and can be redeemed following the first of each month. Rewards are capped at 50,000 points annually and expire after 2 years.

Annual Fee: $0.00

Don’t forget to register your card at www.UChooseRewards.com!

Terms and Conditions

First Rewards Elite

Enjoy the benefits of unlimited rewards for a small annual fee!

Apply Now!

Special Introductory Offer

  • Receive 10,000 bonus reward points ($100) after spending $3,000 in the first 3 months
  • 0% introductory rate for the first 6 billing cycles on balance transfers
  • 0% introductory rate for the first 6 billing cycles on purchases

Post-introductory variable APR (Annual Percentage Rate) is Prime + 5.24%-16.24% rate range, which is determined by credit history. The rate will vary with the market based on Prime Rate. Earn 1.5% in reward points on all purchases. Rewards can be redeemed for cash back, merchandise or travel through UChooseRewards.com. Points are applied automatically and can be redeemed following the first of each month. Rewards are not capped, but expire after 2 years.

Annual Fee: $50.00

Don’t forget to register your card at www.UChooseRewards.com!

Terms and Conditions

First Rewards Student

Perfect for students establishing their creditworthiness.

Apply now!

Earn 1% in reward points on all purchases. Rewards can be redeemed for cash back, merchandise or travel through UChooseRewards.com. Points are applied automatically and can be redeemed following the first of each month. APR (Annual Percentage Rate) is a variable rate of Prime + 8.74%-17.74% rate range, which is determined by credit history. The rate will vary with the market based on Prime Rate. Rewards are capped at 50,000 points annually and expire after 2 years.

Annual Fee: $0.00

Minimum Requirements: Must be 18 years of age, have a valid U.S. address and Social Security number. If under the age of 21, you must show ability to make payments (income verification) or have a co-signer on the account.

Don’t forget to register your card at www.UChooseRewards.com!

Terms and Conditions

Have a business? Check out our Business Credit Cards.

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